VEHICLE IDLING AT SCHOOLS

Size: px
Start display at page:

Download "VEHICLE IDLING AT SCHOOLS"

Transcription

1 VEHICLE IDLING AT SCHOOLS OVERVIEW OF STATE LAWS Environmental Law Institute Part of the ELI Series Topics in School Environmental Health: Overview of State Laws Why is this Issue Important for School Environmental Health? Idling vehicles emit many different pollutants, including particulate matter, nitrogen oxides, carbon monoxide, formaldehyde, benzene, and other volatile organic compounds. These pollutants can contribute to cancer and other short and long-term health concerns. People with asthma, bronchitis, other respiratory problems or heart disease are most sensitive to the health effects of fine particles contained in vehicle exhaust. Idling school buses can pollute the air inside and around the bus. Additionally, exhaust from buses and other vehicles on or near school grounds can enter school buildings through air intakes, doors and open windows. Policies that restrict idling can reduce harmful pollutant exposures and help improve indoor air quality for school children and staff. Restricting idling can also save money and reduce engine damage. For more information on vehicle idling from the U.S. EPA and the state of Connecticut, see and What Types of State Policies are Included in this Overview? This Overview includes state laws and regulations that establish requirements for limiting vehicle idling on or near school grounds or require school districts to establish and implement such requirements, though it does not necessarily include all such policies. State agency guidance documents and other materials are not included in the absence of a related law or regulation addressing vehicle idling directly. Many states have adopted anti-idling laws and regulations. Some measures are specific to schools, while others address idling broadly and include idling at or near schools. Many laws and regulations apply only to buses and commercial vehicles, while others apply to vehicles generally. Most state policies establish a specific time limit for idling and most provide certain exemptions to the idling restrictions. The summaries below note certain exemptions that may be relevant to vehicle idling at schools. While many state laws and regulations include penalties for violations, those provisions are not included in this Overview. States included in the summary chart below: AZ, CA, CO, CT, DE, DC, FL, HI, IL, IN, KS, ME, MD, MA, MN, MS, MO, NV, NH, NJ, NY, NC, OH, OR, PA, RI, SC, TX, UT, VT, VA, WV

2 VEHICLE IDLING STATE & CITATION ARIZONA Az. Stat CALIFORNIA Ca. Health & Safety Code ; 13 Ca. Admin. Code COLORADO Co. Rev. Stat CONNECTICUT Ct. Gen. Stat ; Ct. Admin. Code 22a SUMMARY OF LAW/REGULATION Arizona air quality law requires counties that include areas listed in the law to adopt and enforce an ordinance that limits idling for heavy-duty diesel vehicles. The statute establishes penalties for violations. California air regulations restrict idling on or within 100 feet of school grounds by specified vehicles, including school buses, school activity buses, youth buses, general public para-transit vehicles, transit buses, and other commercial vehicles. Exceptions to the idling restrictions include idling to operate a heater or air conditioner when children with exceptional needs are on board. The regulations also require that motor carriers inform their drivers of the idling requirements, that all complaints of non-compliance are reviewed and remedial action taken, and that records of complaints are retained for three years. The regulations also establish idling restrictions generally for diesel-powered commercial vehicles. Colorado motor vehicle law prohibits idling of commercial diesel vehicles for more than five minutes within any 60-minute period. The law provides a number of exemptions, including idling for up to 20 minutes in a 60-minute period when the outdoor temperature is below 10 degrees. Connecticut motor vehicle law prohibits school bus idling for more than three consecutive minutes. The law does not apply when the outdoor temperature is below 20 degrees or when idling is necessary to maintain a safe temperature for students with special needs. State air quality regulations also prohibit idling of vehicles generally for more than three minutes, with certain exceptions. DELAWARE 7 De. Admin. Code 1145 Delaware air quality regulations prohibit heavy-duty motor vehicles from operating for more than three consecutive minutes when not in motion. The regulations provide exemptions for school and transit bus idling when passengers are on board and allow idling for up to five minutes prior to passenger boarding. The regulations allow vehicle idling for 15 minutes when the outside temperature is between 32 degrees and -10 degrees and do not restrict idling when the outdoor temperature is below -10 degrees, provided no nuisance is created. DISTRICT OF COLUMBIA D.C. Mun. Regs. tit. 20, 900; tit. 18, 2418; tit FLORIDA Fl. Admin. Code r. 6A HAWAII Hi. Admin. Rules D.C. air quality regulations prohibit idling of motor vehicles, including school buses and any vehicles transporting students, for more than three minutes. The regulations exempt private passenger vehicles and allow idling up to five minutes to operate heating equipment when the temperature is 32 degrees or below. Florida education regulations require school districts to adopt a school board policy that prohibits the unnecessary idling of school buses while in the vicinity of students. Hawaii air quality regulations prohibit the operation of a motor vehicle engine while the vehicle is stationary at a loading zone, parking or servicing area, route terminal, or other offstreet area. The regulations allow idling for up to three minutes during the loading or unloading of passengers.

3 ILLINOIS 625 Il. Comp. Stat. 5/ Illinois motor vehicle law, which applies to specified counties and townships, prohibits diesel vehicles with a gross vehicle weight rating of at least 8,000 pounds from idling for more than 10 minutes in any 60-minute period. Exceptions include idling for 15 minutes in any 60- minute period to maintain the comfort of non-driver passengers, and idling when the outdoor temperature is below 32 degrees or above 80 degrees. INDIANA In. Code ; 410 In. Admin. Code KANSAS Ks. Admin. Code d Indiana health law requires the state Department of Health to adopt rules establishing an IAQ inspection, evaluation and employee notification program and to inspect a school after receiving a complaint. Rules implementing the law require schools to adopt and enforce a written policy to address the idling of vehicles on school grounds. The rules recommend that schools use the state s best practices manual in developing their policies and require that the policies be made available during state IAQ inspections. Kansas air quality regulations, which apply to specified counties, prohibit idling of heavy-duty commercial, institutional or public diesel vehicles for more than five minutes in a 60-minute period. Exceptions include bus idling for 15 minutes in a 60-minute period to maintain the comfort of non-driver passengers. MAINE 38 Me. Rev. Stat. 585-L Maine air quality law prohibits commercial vehicles and gasoline-powered vehicles other than private passenger vehicles from idling for more than five minutes in a 60-minute period. Exceptions include idling for 15 minutes in a 60-minute period to maintain the comfort of non-driver passengers or to provide heat when the outside temperature is 32 degrees or below, or idling as needed when the temperature is below 0 degrees. MARYLAND Md. Transp. Code MASSACHUSETTS Ma. Gen. Laws Ch. 90, 16B; 540 Code Ma. Regs MINNESOTA Mn. Stat. 123B.885 Maryland transportation law prohibits the operation of a motor vehicle engine for more than five minutes when the vehicle is not in motion. Exceptions include idling when necessary to operate heating and cooling or auxiliary equipment. Massachusetts motor vehicle law requires the Registrar of Motor Vehicles to promulgate regulations governing vehicle idling on school grounds that include a prohibition on idling of buses during boarding and exiting the bus and that prescribe templates for no idling signs to be posted by schools. The law also requires the Registry of Motor Vehicles to notify school bus drivers of these requirements. Regulations implementing the law prohibit unnecessary idling of motor vehicles on school grounds. Exemptions include limited idling of a school bus if the interior is below 35 degrees or above 80 degrees; limited idling of motor vehicles if the outside temperature is below 35 degrees or above 80 degrees; idling if there are children on board with temperature-sensitive disabilities; and idling required for queuing of buses during active pickup or discharge of students. The regulation also prohibits idling within 100 feet of a known and active school air intake system, except under specified conditions. A separate law (Mass. Gen. Laws ch. 71, 37H) requires superintendents of every school district to include the idling requirements in the district's policies pertaining to the conduct of teachers and students. Minnesota education law requires operators of diesel school buses to minimize, to the extent practical, the idling of school bus engines and exposure of children to diesel exhaust fumes. The law also requires buses to be parked and loaded at a sufficient distance from school air intake systems unless the school board determines that alternative locations are unsafe or are not cost-effective.

4 MISSISSIPPI Ms. Code MISSOURI 10 Mo. Admin. Code , Mississippi education law directs the Department of Education to require every public school district to require school bus operators to minimize engine idling in order to prevent children and adults from being exposed to diesel exhaust fumes. Missouri air quality regulations applicable to select counties in the St. Louis and Kansas City metropolitan areas prohibit idling of heavy-duty diesel vehicles for more than five minutes in a 60-minute period. Exemptions include bus idling for 15 minutes in a 60-minute period to maintain the comfort of non-driver passengers. NEVADA Nv. Admin. Code 445B.576 Nevada air quality regulations prohibit the idling of a diesel bus or truck for more than 15 consecutive minutes, unless a variance has been granted or other limited exceptions apply. NEW HAMPSHIRE N.H. Admin. Code ENV-A 1101; N.H. Rev. Stat. 200:48 NEW JERSEY N.J. Stat. Ann. 26:2C-8.28, 26:2C-8.33, 39:3-70.2; N.J. Admin. Code 7: , NEW YORK N.Y. Educ. Law 3637; N.Y. Code Rules & Regs. tit. 8, 156.3(h); tit. 6, NORTH CAROLINA 15A N.C. Admin. Code 2D.1010; N.C. Gen. Stat. 115C-12, 115C-47 OHIO Oh. Admin. Code New Hampshire air quality regulations prohibit idling of diesel and gasoline-powered motor vehicles for more than five consecutive minutes. An exception is provided for idling for 15 consecutive minutes to provide heat to occupants when the outside temperature is -23 to 0 degrees. Idling restrictions do not apply when the outdoor temperature is below -23 degrees, provided no nuisance is created. New Hampshire education law requires the school board of each school district to implement a school air quality policy that addresses the minimization or elimination of emissions from all vehicles on school grounds, taking into account state antiidling requirements and policies. New Jersey air quality law requires the Department of Environmental Protection to adopt regulations governing the idling and queuing of school buses. Department regulations prohibit idling of diesel and gasoline-powered vehicles for more than three consecutive minutes. The regulations include exceptions for buses while discharging or picking up passengers. New York education law requires the Commissioner of Education to adopt regulations that require school districts to minimize the idling of school buses and other school vehicles and to annually notify school personnel of these restrictions. Education regulations implementing the law require school districts to ensure that school bus drivers turn off bus engines while waiting for passengers to load or off-load on school grounds and while standing on school grounds or in front of or adjacent to any school. Exceptions include idling to maintain an appropriate temperature for passenger comfort. The regulations also require school districts to provide notice of the requirements to school personnel, to periodically monitor compliance, and to include the idling requirements in contracts for pupil transportation services. State air pollution control regulations also establish a general prohibition on idling by heavy-duty vehicles; with limited exceptions, such vehicles may not idle for more than five consecutive minutes. North Carolina air quality regulations prohibit heavy-duty vehicles from idling for more than five consecutive minutes in any 60-minute period. Buses may idle while non-driver passengers are on board and up to 20 minutes prior to passenger boarding. In addition, state education law requires the state Board of Education to establish guidelines and local boards of education to adopt policies and procedures for reducing students exposure to diesel emissions from unnecessary school bus idling. Ohio education regulations prohibit diesel engine idling in excess of five minutes in school loading zones and require school districts to adopt policies that minimize diesel engine idling.

5 OREGON Or. Stat , Oregon motor vehicle law prohibits idling of commercial vehicles for more than five minutes in a 60-minute period. Exceptions include idling to maintain the comfort of commercial bus passengers and idling up to 30 minutes while loading/unloading or waiting to load/unload the vehicle. PENNSYLVANIA 35 Pa. Stat Pennsylvania health law prohibits commercial diesel-powered motor vehicles with a gross weight of over 10,000 pounds from idling for more than five minutes in any 60-minute period. The law provides certain exceptions for school buses and school vehicles, which may idle to provide safe temperatures for students with special needs, to provide heating and air conditioning when non-driver passengers are on board (15 minutes in a 60-minute period), and when necessary to discharge or pick up students not on school property. The law s idling restrictions do not apply to vehicles that are labeled as meeting the optional NOx idling emission standard of the California Air Resources Board. RHODE ISLAND R.I. Gen. Laws ; R.I. Admin. Code :45, :42.0, :1.04 SOUTH CAROLINA S.C. Code Ann TEXAS 30 Tx. Admin. Code UTAH Ut. Code 41-6a-1308, Ut. Admin. Code R Rhode Island motor vehicle law and implementing regulations prohibit diesel engine idling for more than five consecutive minutes in a 60-minute period. The regulations allow idling for 15 minutes per hour when temperatures are between 0 degrees and 32 degrees or as needed when temperatures are below 0 degrees. Passenger buses may idle for 15 minutes per hour to maintain passenger comfort while non-driver passengers are on board whenever temperatures are below 50 degrees. Separate state Department of Health regulations require each school to develop written protocols that address, among other things, parking and idling locations for motor vehicles and buses. Additionally, state education regulations require school construction/renovation projects to comply with all requirements set forth in the Northeast Collaborative for High Performance Schools Protocol, which requires adoption of a school policy that prohibits idling for more than five minutes and requires posting of appropriate signs. South Carolina motor vehicle law prohibits idling of commercial diesel vehicles for more than 10 minutes in a 60-minute period. Passenger buses may idle for 15 minutes in a 60-minute period to provide heating and air conditioning when non-driver passengers are on board. Exceptions to the idling restrictions include idling of occupied vehicles while waiting in line to load or unload, or idling in restricted access or commercial access areas, provided those areas are at least 500 feet from a school or other listed facility. Texas air pollution control rules establish restrictions on idling of motor vehicle with a gross vehicle weight rating of over 14,000 pounds. The rules, which apply only to local jurisdictions that have signed a Memorandum of Agreement with the state to enforce idling restrictions, prohibit motor vehicles from idling for more than five consecutive minutes. Exceptions include idling for 30 minutes to supply heat or air conditioning for comfort and safety on commercial or public passenger transport vehicles. The restrictions do not apply to certain vehicle engines that have been certified as meeting NOx emissions limits. Utah motor vehicle law requires the State Board of Education to implement an idling reduction program for all school bus drivers and to adopt an idling reduction standard in the Standards for Utah School Buses and Operations. State air quality law requires that local school boards assist the State Board of Education in adopting the standards and implementing the idling reduction program. The standard adopted by the state includes requirements for bus drivers to turn off engines upon arriving at school loading and unloading areas, eliminate idling at events off school grounds, and keep idling in cold weather to a minimum and off school grounds when possible. The law calls on schools to provide an inside waiting area for drivers and directs transportation operations staff to revise bus schedules to avoid school bus caravanning and to assign the cleanest buses to the longest routes. The Standard also

6 requires drivers to receive a copy of the idling policy and at least 30 minutes of training on idling reduction. Additionally, state health regulations governing school operation and sanitation provide that schools must prohibit vehicles from parking in areas adjacent to or close to building air intakes. VERMONT 23 Vt. Stat. 1282; Vt. Admin. Code B:6002 Vermont motor vehicle law prohibits school bus operators from idling while waiting for children to board or exit the bus and from starting the engine before the bus is ready to leave the school premises. State Board of Education rules adopted pursuant to the law prohibit school buses from idling for more than five minutes in a 60-minute period and require drivers to turn off the bus engine immediately upon arrival at school loading areas and to leave the engine off until the bus is ready to depart. The rules require employers to inform school bus drivers of idling restrictions and to ensure that complaints of non-compliance are reviewed and appropriate corrective actions taken. The rules also require school districts to communicate the idling requirements to all parents, drivers and staff and to incorporate the requirements into transportation contracts. VIRGINIA 9 Va. Admin. Code Virginia air pollution control regulations prohibit motor vehicles licensed for commercial or public service use from idling for more than three minutes in commercial or residential urban areas unless the vehicle is providing auxiliary power for other than heating or air conditioning. An exception is provided for diesel engine idling up to 10 minutes to minimize restart problems. WEST VIRGINIA W. V. Code 17C-13A-1--9 W.V. Code 17C-12-7; W.V. Code State Rules , West Virginia motor vehicle law prohibits diesel-powered commercial motor vehicles with a gross vehicle weight over 10,000 pounds from idling for more than 15 minutes in any 60- minute period. Exemptions are provided for school buses when idling is necessary to maintain a safe temperature for passengers and for vehicles that are labeled as meeting the optional NOx idling emission standard of the California Air Resources Board. The law also requires posting of permanent signs by owners and operators of locations where vehicles subject to idling restrictions load or unload, or of locations that provide 15 or more parking spaces for such vehicles. West Virginia motor vehicle law also requires the State Board of Education to promulgate a rule governing the idling of school buses. The Board s rule on school bus transportation prohibits buses from idling while waiting for or loading students. Exceptions include idling for 10 minutes when the outside temperature is at or below 40 degrees or when student safety and comfort is in question, or idling for 30 minutes when necessary to defrost windows. Additionally, a separate Board rule governing school facility planning provides that driveways at schools should be of adequate space to insure that carbon monoxide does not accumulate in idling vehicles or school buses. May 2013 Environmental Law Institute

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332 0-State Analysis School Attendance Age Limits 700 Broadway, Suite 810 Denver, CO 80203-32 303.299.3600 Fax: 303.296.8332 Introduction School Attendance Age Limits By Marga Mikulecky April 2013 This 0-State

More information

Cancellation/Nonrenewal Surplus Lines Exemptions

Cancellation/Nonrenewal Surplus Lines Exemptions Cancellation/Nonrenewal Surplus Lines Exemptions * Indicates updates in laws or regulations for the state Contact: Tina Crum, tina.crum@pciaa.net, 847-553-3804 Disclaimer: This document was prepared by

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to

More information

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015)

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) As of June 30, 2015, the VCF has made 12,712 eligibility decisions, finding 11,770 claimants eligible for compensation.

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

Hail-related claims under comprehensive coverage

Hail-related claims under comprehensive coverage Bulletin Vol. 29, No. 3 : April 2012 Hail-related claims under comprehensive coverage Claims for hail damage more than doubled in 2011 compared with the previous three years. Hail claims are primarily

More information

INTEGRATED PEST MANAGEMENT IN SCHOOLS

INTEGRATED PEST MANAGEMENT IN SCHOOLS INTEGRATED PEST MANAGEMENT IN SCHOOLS OVERVIEW OF STATE LAWS Part of the ELI Series Environmental Law Institute Topics in School Environmental Health: Overview of State Laws www.eli.org/buildings/tseh.cfm

More information

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

More information

PUBLIC INSURANCE ADJUSTER FEE PROVISIONS 50 STATE SURVEY AS OF 6/29/07. LIKELY YES [Cal. Ins. Code 15027]

PUBLIC INSURANCE ADJUSTER FEE PROVISIONS 50 STATE SURVEY AS OF 6/29/07. LIKELY YES [Cal. Ins. Code 15027] Alabama Alaska Arizona Arkansas California [Cal. Ins. Code 15027] ] Colorado [Cal. Ins. Code 15027] Connecticut Delaware of the actual or final settlement of a loss [Conn. Ins. Code 38a-788-8] 2.5% of

More information

United States Bankruptcy Court District of Arizona

United States Bankruptcy Court District of Arizona United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

More information

Motor Vehicle Financial Responsibility Forms

Motor Vehicle Financial Responsibility Forms Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are

More information

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO)

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Beth Radtke 50 Included in the report: 7/22/2015 11:15:28 AM Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Connecticut (CT) Delaware (DE) District Columbia (DC) Florida (FL)

More information

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL State-Level Analysis HELP WANTED PROJECTIONS of JOBS and EDUCATION REQUIREMENTS Through 2018 JUNE 2010 ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL Contents 1 Introduction 3 U.S. Maps: Educational concentrations

More information

How To Get An R22 In Massachusetts

How To Get An R22 In Massachusetts MAIA Bulletin #2004-26 December 2004 (updated 6/6/05) SR-22 Project One of the most common complaints we receive is that consumers in Massachusetts are unable to secure SR-22 (financial responsibility)

More information

Motor Vehicle Financial Responsibility Forms

Motor Vehicle Financial Responsibility Forms Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are

More information

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012 LexisNexis Law Firm Billable Hours Survey Top Line Report June 11, 2012 Executive Summary by Law Firm Size According to the survey, we found that attorneys were not billing all the time they worked. There

More information

Commercial Motor Vehicle Marking. And Identification Regulations

Commercial Motor Vehicle Marking. And Identification Regulations Commercial Motor Vehicle Marking And Identification Regulations Federal Regulation Part 390.21 requires the following marking rules for all **qualifying Interstate for hire and private commercial motor

More information

INTRODUCTION. Figure 1. Contributions by Source and Year: 2012 2014 (Billions of dollars)

INTRODUCTION. Figure 1. Contributions by Source and Year: 2012 2014 (Billions of dollars) Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Report: Economy-Wide Statistics Division Briefs: Public Sector By Phillip Vidal Released July 2015 G14-ASPP-SL

More information

Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue

Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue NAIC Group % Attorney s Title 3.8% Chicago / Fidelity 0.9% Diversified 0.6% First American 2.7% Investors

More information

AAIS Personal and Premises Liability Program

AAIS Personal and Premises Liability Program Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Table of Mortgage Broker (and Originator) Bond Laws by State Current as of July 1, 2010

Table of Mortgage Broker (and Originator) Bond Laws by State Current as of July 1, 2010 Alabama Ala. Code 5-25-5 Bond only required where licensee does not submit evidence of net worth. Loan originators may be covered by Alaska 25,000 Alaska Stat. 06.60.045 Arizona $10,000-$15,000 Ariz. Rev.

More information

AAIS Mobile-Homeowners 2008 Series

AAIS Mobile-Homeowners 2008 Series Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues

Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues Sara R. Collins, Ph.D. Vice President, Affordable Health Insurance The

More information

Audio Monitoring And The Law: How to Use Audio Legally in Security Systems. Today s Learning Objectives

Audio Monitoring And The Law: How to Use Audio Legally in Security Systems. Today s Learning Objectives Audio Monitoring And The Law: How to Use Audio Legally in Security Systems Presented to ISC West / SIA Education April 11, 2013 Donald J Schiffer Attorney at Law General Counsel Louroe Electronics Today

More information

LIMITED PARTNERSHIP FORMATION

LIMITED PARTNERSHIP FORMATION LIMITED PARTNERSHIP FORMATION The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited partnership in all 50 states and the District

More information

ENS Governmental Format Status (As of 06/16/2008)

ENS Governmental Format Status (As of 06/16/2008) Alaska AK Production (G) Region D Tan - Development Required Alabama AL Production (G) Region C Arkansas AR Production (G) Region C D Yellow - Pended for required Beta Site Green - In Production - Direct

More information

MEDICAL MALPRACTICE STATE STATUTORY

MEDICAL MALPRACTICE STATE STATUTORY MEDICAL MALPRACTICE STATE STATUTORY REFERENCE GUIDE 41 MEDICAL MALPRACTICE STATE STATUTORY REFERENCE GUIDE The following references to statutes relevant to medical malpractice cases are intended exclusively

More information

Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans

Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans For Policyholders who have not annuitized their deferred annuity contracts Zurich American Life Insurance Company

More information

Arizona Form 2014 Credit for Taxes Paid to Another State or Country 309

Arizona Form 2014 Credit for Taxes Paid to Another State or Country 309 Arizona Form 2014 Credit for Taxes Paid to Another State or Country 309 Phone Numbers For information or help, call one of the numbers listed: Phoenix (602) 255-3381 From area codes 520 and 928, toll-free

More information

How To Regulate Rate Regulation

How To Regulate Rate Regulation Rate Regulation Introduction Concerns over the fairness and equity of insurer rating practices that attempt to charge higher premiums to those with higher actual and expected claims costs have increased

More information

Table A-7. State Medical Record Laws: Minimum Medical Record Retention Periods for Records Held by Medical Doctors and Hospitals*

Table A-7. State Medical Record Laws: Minimum Medical Record Retention Periods for Records Held by Medical Doctors and Hospitals* Summary of statutory or regulatory provision by entity. Alabama As long as may be necessary to treat the patient and for medical legal purposes. Ala. Admin. Code r. 545-X-4-.08 (2007). (1) 5 years. Ala.

More information

Community College/Technical Institute Mission Convergence Study

Community College/Technical Institute Mission Convergence Study Center for Community College Policy Education Commission of the States Community College/Technical Institute Mission Convergence Study Phase 1: Survey of the States Prepared by Donald E. Puyear, Ph.D.

More information

*Time is listed as approximate as an offender may be charged with other crimes which may add on to the sentence.

*Time is listed as approximate as an offender may be charged with other crimes which may add on to the sentence. Victims of drunk driving crashes are given a life sentence. In instances of vehicular homicide caused by drunk drivers, these offenders rarely receive a life sentence in prison. Laws vary greatly on the

More information

ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE

ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE (Laws current as of 12/31/06) Prepared by Lori Stiegel and Ellen Klem of the American Bar Association

More information

How To Get A National Rac (And Mac)

How To Get A National Rac (And Mac) 7 th National RAC (and MAC) Summit December 5 6, 2012 Washington, DC Jane Snecinski P.O. Box 12078 Atlanta, GA 30355 www.postacuteadvisors.com National client base (both public and private sector) based

More information

COMMERCIAL FINANCE ASSOCIATION. Annual Asset-Based Lending and Factoring Surveys, 2008

COMMERCIAL FINANCE ASSOCIATION. Annual Asset-Based Lending and Factoring Surveys, 2008 COMMERCIAL FINANCE ASSOCIATION Annual Asset-Based Lending and Factoring Surveys, 2008 Non-Member Edition May 6, 2009 R.S. Carmichael & Co., Inc. Commercial Finance Association 70 West Red Oak Lane (4 th

More information

Rates are valid through March 31, 2014.

Rates are valid through March 31, 2014. The data in this chart was compiled from the physician fee schedule information posted on the CMS website as of January 2014. CPT codes and descriptions are copyright 2012 American Medical Association.

More information

Pollution Report Card

Pollution Report Card Pollution Report Card Grading America s School Bus Fleets PATRICIA MONAHAN UNION OF CONCERNED SCIENTISTS February 2002 Pollution Report Card 1 Executive Summary Every day, parents watch the trusted yellow

More information

Overview - Party City (includes Party City, Party America, and The Paper Factory)

Overview - Party City (includes Party City, Party America, and The Paper Factory) Transportation Routing Guide Overview - Party City (includes Party City, Party America, and The Paper Factory) The Transportation Routing Guide (TRG) provides information for merchandise and non-merchandise

More information

Video Voyeurism Laws

Video Voyeurism Laws Video Voyeurism Laws Federal Law Video Voyeurism Prevention Act of 2004, 18 U.S.C.A. 1801. Jurisdiction limited to maritime and territorial jurisdiction, or federal property including but not limited to

More information

Foreign Language Enrollments in K 12 Public Schools: Are Students Prepared for a Global Society?

Foreign Language Enrollments in K 12 Public Schools: Are Students Prepared for a Global Society? Foreign Language s in K 2 Public Schools: Are Students Prepared for a Global Society? Section I: Introduction Since 968, the American Council on the Teaching of Foreign Languages (ACTFL) has conducted

More information

MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION

MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION Table of Contents Model Regulation Service January 1996 MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7.

More information

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO)

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Beth Radtke 49 Included in the report: 7/22/2015 11:24:12 AM Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Connecticut (CT) Delaware (DE) District Columbia (DC) Florida (FL)

More information

Annual Survey of Public Employment & Payroll Summary Report: 2013

Annual Survey of Public Employment & Payroll Summary Report: 2013 Annual Survey of Public Employment & Payroll Summary Report: 2013 Economy-Wide Statistics Briefs: Public Sector by Robert Jesse Willhide Released December 19, 2014 G13-ASPEP INTRODUCTION This report is

More information

Benefits of Selling WorkLife 65

Benefits of Selling WorkLife 65 PruTerm WorkLife 65 SM LEARN ABOUT THE PRODUCT AND MARKET Benefits of Selling WorkLife 65 Pru s new and innovative term product will resonate with your clients. WorkLife 65 is a new and innovative term

More information

Driving under the influence of alcohol or

Driving under the influence of alcohol or National Survey on Drug Use and Health The NSDUH Report December 9, 2010 State Estimates of Drunk and Drugged Driving In Brief Combined 2006 to 2009 data indicate that 13.2 percent of persons aged 16 or

More information

NCCI Filing Memorandum Item B-1420

NCCI Filing Memorandum Item B-1420 NCCI Filing Memorandum Item B-1420 NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NM,

More information

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net 1 Cancellation of debt (COD)... Generally, if a debt for which the taxpayer was personally responsible

More information

Building Codes in Effect by State

Building Codes in Effect by State s in Effect by Mandated or Electrical Mechanical Plumbing Fuel Gas Efficiency Accessibility Life Safety Fire Alabama (AL) The only state mandatory code is Life Safety. Only state buildings, schools, hotels,

More information

STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE

STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE Responsibility and Work Opportunity Reconciliation Act.... STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE Recent studies have examined national participation

More information

NEW CARRIER SIGN UP REQUEST FORM

NEW CARRIER SIGN UP REQUEST FORM Instructions: (Please fax or email the completed documents) dispatch@txcarriers.com Fax: 1-855-631-4174 o Fill o Copy o Copy o initial o Insurance out Carrier profile of Common Carrier Authority Company

More information

MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA BY PROPERTY AND CASUALTY INSURANCE COMPANIES

MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA BY PROPERTY AND CASUALTY INSURANCE COMPANIES Model Regulation Service June 2004 MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section

More information

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile Mode Alabama Percent of Teachers FY Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile

More information

Health Reform. Health Insurance Market Reforms: Pre-Existing Condition Exclusions

Health Reform. Health Insurance Market Reforms: Pre-Existing Condition Exclusions Health Insurance Market Reforms: Pre-Existing Cditi Exclusis SEPTEMBER 2012 Overview What is a pre-existing cditi? Pre-existing cditis are medical cditis or other health problems that existed before the

More information

ONLINE SERVICES FOR KEY LOW-INCOME BENEFIT PROGRAMS What States Provide Online with Respect to SNAP, TANF, Child Care Assistance, Medicaid, and CHIP

ONLINE SERVICES FOR KEY LOW-INCOME BENEFIT PROGRAMS What States Provide Online with Respect to SNAP, TANF, Child Care Assistance, Medicaid, and CHIP 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Updated June 8, 2011 ONLINE SERVICES FOR KEY LOW-INCOME BENEFIT PROGRAMS What States

More information

TABLE 1. Didactic/Clinical/Lab SEMESTER TWO (Apply for admission to Nursing Program during Semester Two)

TABLE 1. Didactic/Clinical/Lab SEMESTER TWO (Apply for admission to Nursing Program during Semester Two) ITEM 127-105-R0505 TABLE 1 CURRICULUM FOR 72 CREDIT ASN WITH OPTIONAL PN EXIT AFTER 48(+) CREDITS ( STAND-ALONE LPN PROGRAMS WILL OFFER FIRST FOUR SEMESTERS) Course Credits Didactic/Clinical/Lab Course

More information

Legislative Summary Sheet: Bills Related to Military Families Recently Introduced into State Legislatures

Legislative Summary Sheet: Bills Related to Military Families Recently Introduced into State Legislatures Legislative Summary Sheet: Bills Related to Military Families Recently Introduced into State Legislatures This legislative summary sheet was developed to give an overview of the policy and legislation

More information

Health Insurance Price Index Report for Open Enrollment and Q1 2014. May 2014

Health Insurance Price Index Report for Open Enrollment and Q1 2014. May 2014 Health Insurance Price Index Report for Open Enrollment and May 2014 ehealth 5.2014 Table of Contents Introduction... 3 Executive Summary and Highlights... 4 Nationwide Health Insurance Costs National

More information

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE Model Regulation Service April 2005 Corporate Owned Life Insurance (COLI) is life insurance a corporate employer buys covering one or more employees. With COLI, the employer is generally the applicant,

More information

22 States do not provide access to Chapter 9 Bankruptcy

22 States do not provide access to Chapter 9 Bankruptcy 22 States do not provide access to Chapter 9 Bankruptcy -Georgia explicitly denies access to municipal bankruptcy. (GA Code 36 80-5) States with No Statutes: Alaska Delaware Hawaii Indiana Kansas Maine

More information

STATE BY STATE ANTI-INDEMNITY STATUTES. Sole or Partial Negligence. Alaska X Alaska Stat. 45.45.900. Except for hazardous substances.

STATE BY STATE ANTI-INDEMNITY STATUTES. Sole or Partial Negligence. Alaska X Alaska Stat. 45.45.900. Except for hazardous substances. State STATE BY STATE ANTI-INDEMNITY STATUTES Sole Negligence Sole or Partial Negligence Closes A.I. Loophole Comments Alabama Alaska Alaska Stat. 45.45.900. Except for hazardous substances. Arizona (Private

More information

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com 10-21- 2013 As of January 1, 2014, the Patient Protection and Affordable Care Act (PPACA) requires most U.S. citizens and lawful residents to either have minimum essential coverage or to pay a federal

More information

Workers Compensation State Guidelines & Availability

Workers Compensation State Guidelines & Availability ALABAMA Alabama State Specific Release Form Control\Release Forms_pdf\Alabama 1-2 Weeks ALASKA ARIZONA Arizona State Specific Release Form Control\Release Forms_pdf\Arizona 7-8 Weeks by mail By Mail ARKANSAS

More information

Model Regulation Service October 1993

Model Regulation Service October 1993 Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 1. Model Regulation Service October 1993 PERMITTING SMOKER/NONSMOKER MORTALITY TABLES Authority Purpose

More information

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION NOTICE OF PROTECTION PROVIDED BY This notice provides a brief summary of the [STATE] Life and Health Insurance Guaranty Association (the Association) and the protection it provides for policyholders. This

More information

90-400 APPENDIX B. STATE AGENCY ADDRESSES FOR INTERSTATE UIB CLAIMS

90-400 APPENDIX B. STATE AGENCY ADDRESSES FOR INTERSTATE UIB CLAIMS INTERSTATE UIB CLAIMS Alabama Multi- Unit (#01) Industrial Relations Bldg. Montgomery, AL 31604 Alaska Interstate Unit (#02) P.O. Box 3-7000 Juneau, AK 99801 Arizona Interstate Liable Office (#03) Department

More information

Health Insurance Coverage of Children Under Age 19: 2008 and 2009

Health Insurance Coverage of Children Under Age 19: 2008 and 2009 Health Insurance Coverage of Children Under Age 19: 2008 and 2009 American Community Survey Briefs Issued September 2010 ACSBR/09-11 IntroductIon Health insurance, whether private or public, improves children

More information

Model Regulation Service - January 1993 GUIDELINES ON GIFTS OF LIFE INSURANCE TO CHARITABLE INSTITUTIONS

Model Regulation Service - January 1993 GUIDELINES ON GIFTS OF LIFE INSURANCE TO CHARITABLE INSTITUTIONS Model Regulation Service - January 1993 These Guidelines have been prepared for use by state insurance department personnel who may be presented with questions or concerns regarding charitable gifts of

More information

Individual Continuing Education Courses NMLS Training and Continuing Education

Individual Continuing Education Courses NMLS Training and Continuing Education Fulfill your SAFE Act Requirements with AllRegs, an Approved NMLS Training Provider. AllRegs, the leading information provider for the mortgage lending industry, is pleased to announce that AllRegs Academy

More information

Physical Presence Triggers N/A

Physical Presence Triggers N/A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Authorization Requirements License from AL Department of Postsecondary Education; Certificate of Authority

More information

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act on on medicaid and and the the uninsured Health Coverage for the Population Today and Under the Affordable Care Act April 2013 Over 50 million s currently live in the United States, comprising 17 percent

More information

D.C. Code Ann. Prohibits employment discrimination on the basis of tobacco use except where

D.C. Code Ann. Prohibits employment discrimination on the basis of tobacco use except where National Conference of State Legislatures Discrimination Laws Regarding Off-Duty Conduct Updated October 18, 2010 The issue of employees' rights to engage in certain off-duty activities and in the competing

More information

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service January 2006 Purpose Definition Exemptions Disclosure Requirements Insurer Duties

More information

kaiser medicaid and the uninsured commission on The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis

kaiser medicaid and the uninsured commission on The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis kaiser commission on medicaid and the uninsured The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis John Holahan, Matthew Buettgens, Caitlin Carroll,

More information

recovery: Projections of Jobs and Education Requirements Through 2020 June 2013

recovery: Projections of Jobs and Education Requirements Through 2020 June 2013 recovery: Projections of Jobs and Requirements Through June 2013 Projections of Jobs and Requirements Through This report projects education requirements linked to forecasted job growth by state and the

More information

State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1

State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1 State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1 1. Alabama does not adopt the Code on a regular basis but instead specifically incorporates only

More information

Mandatory Reporting of Child Abuse 6/2009 State Mandatory Reporters Language on Privilege Notes Alabama

Mandatory Reporting of Child Abuse 6/2009 State Mandatory Reporters Language on Privilege Notes Alabama Alabama any other person called upon to render aid to any child ALA. CODE 26-14-10 Alaska ALA. CODE 26-14-3(a) paid employees of domestic violence and sexual assault programs, and crisis intervention and

More information

Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL. Alabama

Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL. Alabama Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL 36130-2000 (334) 242-1998 Fax: (334) 242-0268 Alaska Commission

More information

Postsecondary. Tuition and Fees. Tuition-Setting Authority for Public Colleges and Universities. By Kyle Zinth and Matthew Smith October 2012

Postsecondary. Tuition and Fees. Tuition-Setting Authority for Public Colleges and Universities. By Kyle Zinth and Matthew Smith October 2012 Postsecondary Tuition and Fees Introduction Tuition-Setting Authority for Public Colleges and Universities By Kyle Zinth and Matthew Smith October 2012 Who sets tuition? Regardless of the state in question,

More information

Pro Hac Vice Admission Rules

Pro Hac Vice Admission Rules AMERICAN BAR ASSOCIATION CENTER FOR PROFESSIONAL RESPONSIBILITY CPR POLICY IMPLEMENTATION COMMITTEE Pro Hac Vice Admission Rules Recommendation: The American Bar Association adopts a Model Rule on Pro

More information

Listing of Mortgage Broker Definitions

Listing of Mortgage Broker Definitions State Definition Citation Text ALABAMA MORTGAGE BROKERS LICENSING ACT Mortgage broker means any person who directly or indirectly solicits, Ala. Code 5 25 2(9) processes, places, or negotiates mortgage

More information

False Claims Act Regulations by State

False Claims Act Regulations by State False Claims Act Regulations by State Under the False Claims Act, 31 U.S.C. 3729-3733, those who knowingly submit, or cause another person or entity to submit, false claims for payment of The purpose of

More information

CPT Codes For Spirometry

CPT Codes For Spirometry Micro Direct, Inc. 803 Webster Street Lewiston, ME 04240 (800) 588-3381 (207) 786-7280 FAX www.mdspiro.com CPT Codes For Spirometry The current Procedural Teminology (CPT) codes defined below are the most

More information

Uniform Cost-Sharing Regulations

Uniform Cost-Sharing Regulations UniFirst.com Uniform Program Options Uniform Cost-Sharing Regulations Uniform cost-sharing through employee payroll deductions presents many benefits to both the uniform wearer and the company. The net

More information

STATE PERSONAL INCOME TAXES ON PENSIONS & RETIREMENT INCOME: TAX YEAR 2010

STATE PERSONAL INCOME TAXES ON PENSIONS & RETIREMENT INCOME: TAX YEAR 2010 STATE PERSONAL INCOME TAXES ON PENSIONS & RETIREMENT INCOME: TAX YEAR 2010 Ronald Snell Denver, Colorado February 2011 Most states that levy a personal income tax allow people who receive retirement income

More information

Three-Year Moving Averages by States % Home Internet Access

Three-Year Moving Averages by States % Home Internet Access Three-Year Moving Averages by States % Home Internet Access Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana

More information

AAIS Commercial Umbrella Liability Program

AAIS Commercial Umbrella Liability Program Policy Forms and Endorsements THIS REFERENCE GUIDE FEATURES FORMS CONTAINED IN THE COMMERCIAL UMBRELLA LIABITY PROGRAM 1.0 AND COMMERCIAL UMBRELLA LIABITY PROGRAM 09 10. IT IS WOLTERS KLUWER FINANCIAL

More information

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser.

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. State-by-state analysis of IRAs as exempt property State State Statute IRA Alabama

More information

Impacts of Sequestration on the States

Impacts of Sequestration on the States Impacts of Sequestration on the States Alabama Alabama will lose about $230,000 in Justice Assistance Grants that support law STOP Violence Against Women Program: Alabama could lose up to $102,000 in funds

More information

How To Compare Ehealth To A Health Insurance Plan

How To Compare Ehealth To A Health Insurance Plan The Cost And Benefits Of Individual Health Insurance Plans: 2007 Contents Introduction and overview 3 Methodology summary 4 Report summary 5 Major Medical Plan Premiums Profile of ehealthinsurance policy

More information

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST ** Utilize this list to determine whether or not a non-resident applicant may waive the Oklahoma examination or become licensed

More information

LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT

LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT Model Regulation Service April 1995 LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section

More information

Closing the College Attainment Gap between the U.S. and Most Educated Countries, and the Contributions to be made by the States

Closing the College Attainment Gap between the U.S. and Most Educated Countries, and the Contributions to be made by the States National Center for Higher Education Management Systems Closing the College Attainment Gap between the U.S. and Most Educated Countries, and the Contributions to be made by the States Patrick J. Kelly

More information

Use of "Mail Box" service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015]

Use of Mail Box service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015] Topic: Question by: : Use of "Mail Box" service Kathy M. Sachs Kansas Date: April 6, 2015 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District

More information

FR Y-14Q: Retail US Auto Loan Schedule Instructions

FR Y-14Q: Retail US Auto Loan Schedule Instructions FR Y-14Q: Retail US Auto Loan Schedule Instructions This document provides general guidance and data definitions for the US Auto Loan Schedule. For the International Auto Loan Schedule, see the separate

More information

The Case for Change The Case for Whopping Big Change

The Case for Change The Case for Whopping Big Change TESTIMONY The California Assembly Higher Education Committee October 7, 2013 Presentation by: David Longanecker President, Western Interstate Commission for Higher Education (WICHE) FINANCING CALIFORNIA

More information

TAX PREP FEE PHILOSOPHY. Copyright 2013 Drake Software

TAX PREP FEE PHILOSOPHY. Copyright 2013 Drake Software TAX PREP FEE PHILOSOPHY Copyright 2013 Drake Software Table of Contents Tax Prep Fee Survey Introduction... 2 Profile of Respondents... 3 Tax Prep Fee Averages - Federal Forms... 4 1040 Prep Fee Averages

More information

Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2012

Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2012 Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2012 Chun-Ju Hsiao, Ph.D., and Esther Hing, M.P.H. Key findings In 2012, 72% of office-based

More information